Think about who took the ID card.
Second, Tangshan provident fund extraction conditions 2022
Tangshan Housing Provident Fund Management Center has optimized and adjusted the housing provident fund withdrawal policy, including the withdrawal adjustment of full house purchase and the withdrawal adjustment of loan house purchase. Notice of Tangshan Housing Provident Fund Management Center on Supporting Employees' Housing Demand Optimization and Adjusting Housing Provident Fund Withdrawal Policy is to actively implement the central government's policy of stabilizing land prices, housing prices and expectations, promote the healthy development of the real estate industry in a virtuous circle due to the city's policies, and meet the reasonable demand of paid employees for buying houses and using housing provident fund to the maximum extent. According to the Notice of Hebei Provincial Department of Housing and Urban-Rural Development on Printing and Distributing Four Policies for Stable Growth in Housing and Urban-Rural Construction (J.H.H. [2022] No.29), after deliberation and approval by the Municipal Housing Provident Fund Management Committee, the policy of housing provident fund withdrawal in our city is optimized and adjusted as follows: 1. The full withdrawal of housing is 1. Extraction conditions: After June, 2022 1, if employees and their spouses purchase the first set of self-occupied housing or the second set of improved housing in full within the administrative area of Tangshan, they can withdraw the balance in their own and their spouses' housing provident fund accounts once a year, and the total amount of withdrawal by both spouses shall not exceed the actual purchase expenses. 2. Provision of information: Employees and their spouses need to bring the following information to the front desk of nearby sub-centers and management departments. (1) Purchase the commercial house in full. When extracting for the first time, it is required to provide the extractor's ID card, marriage certificate, housing accumulation fund card, value-added tax invoice of commercial housing sales contract, and the housing information query result issued by the real estate registration department of the employee's house purchase place (within one month); In the future, each withdrawal must provide the ID card of the extractor, the housing provident fund card and the Housing Information Query Results issued by the real estate registration department of the employee's house purchase place (within one month). (2) Purchase the stock room in full. It is required to provide the extractor's ID card, marriage certificate, housing provident fund card, housing transfer contract, immovable property certificate, deed tax payment certificate issued by the tax department, value-added tax invoice and housing information query result issued by the real estate registration department of the employee's house purchase place (within one month): every time the extractor extracts the extractor's ID card, housing provident fund card and general housing information query result issued by the real estate registration department of the employee's house purchase place (within one month). Two. Withdraw the housing loan (I) Withdraw and repay the commercial loan 1. Extraction conditions: After June, 2022 1, if employees and their spouses use commercial payment to purchase the first set of self-occupied housing or the second set of improved housing in Tangshan Administrative Region, they can withdraw the storage balance in the employee's or spouse's housing provident fund account according to the annual repayment amount. After the loan is settled, the storage balance can still be withdrawn annually, and the total amount of withdrawal does not exceed the actual purchase expenditure. 2. Withdrawal amount: Before the commercial loan of 1 is settled, the repayment amount of the previous year can be withdrawn every year. After the commercial payment is settled, the deposit amount of the previous year can be withdrawn every year. 3. Provide information. Employees and their spouses shall go to the front desk of nearby sub-centers and management departments with the following information. When repaying the commercial money for the first time, it is necessary to provide the extractor's ID card, marriage certificate, housing accumulation fund card, purchase contract, VAT invoice, loan contract, repayment details and the housing information query result issued by the real estate registration department where the employee purchases the house (within one month); After each withdrawal, provide the extractor's ID card, housing provident fund card, repayment details and the "Housing Information Query Results" issued by the real estate registration department of the employee's house purchase place (within one month); If the commodity information has been shared, there is no need to provide repayment details. (2) Withdraw 1 for repayment of housing provident fund loans. Monthly repayment conditions: After June, 2022 1, if employees and their spouses use housing provident fund loans to buy the first set of self-occupied housing or the second set of improved housing in Tangshan Administrative Region, they can apply for refund and return, and automatically deduct the monthly repayment amount from the balance stored in the employee's or spouse's housing provident fund account. After the loan is settled, they can still withdraw the storage balance of the current year. 2. Extraction conditions of annual repayment: If the refund business is not handled, the repayment amount of the previous year can be extracted from the employee himself or the balance stored in the housing provident fund account on an annual basis. After the loan is settled, the storage balance can still be withdrawn annually, and the total withdrawal amount does not exceed the actual purchase expenditure. 3. Extraction of information: The extraction of provident fund purchase price is based on the payment information in the central business system, and employees do not need to provide "housing information query results", but only need to provide the ID card and housing provident fund card of the extractor. Three. Precautions 1. Employees and their partners shall be responsible for the authenticity of the extracted information. If employees are found to have forged false information to defraud the housing provident fund, the center will recover the extracted housing provident fund, freeze employees' accounts, record dishonesty, and limit their housing consumption and payment for goods within five years; Refuse to return, joint credit punishment, suspected of a crime, according to the law to hand over clues, severely punished according to law. 2. After the employee quits, if the purchased house is traded again, it will stop resisting the government. If the house is traded again within 365 days after being taken, it shall be verified according to the Notice on Defining the Relevant Policies for Withdrawing Housing Provident Fund for the Same House on the Same Day (Tang Provident Fund [202 1] 19) issued by the Center to determine the nature of the transaction and dispose of it according to regulations.
3. I have a housing accumulation fund in Tangshan, and I don't know what kind of housing accumulation fund conditions I need to get a loan.
The answer is as follows:
1. Conditions for applying for housing provident fund loan:
(1) Borrowers applying for provident fund loans must continuously deposit provident fund for more than 1 year (6 months in some places). If the provident fund is suspended, unpaid or deferred, it cannot be applied.
(2) The borrower purchases self-raised funds below 30% (original 20%) of the total house price as the down payment.
(3) The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan.
(4) If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan.
Please use the housing provident fund loan to buy a house.
(6) The lender must have a fixed residence in the local town or have
(7) Agree to use the purchased house as collateral.
2. Information to be provided:
(1 household registration book (the second-generation ID card needs to be printed on the back, and the household registration book should copy the title page, home page, borrower and spouse page).
(2) Marriage certificate: the certificate issued by the marriage registration office where the household registration is located (single certificate); Divorce provides a divorce certificate; Married people provide marriage certificates.
(3) The purchase contract signed by the borrower and the selling unit.
(4) The borrower and his/her spouse (if any) * * * fill in the loan application approval form, the housing provident fund deposit certificate and the salary income certificate issued by the unit.
(5) Not less than 30% of the total house price.
I hope the above answers are helpful to you.
4. What are the conditions for Tangshan to apply for provident fund loans? What is the maximum amount?
Limit on the maximum loan amount of provident fund: if I apply for housing provident fund loans with my housing provident fund, the maximum loan amount is 400,000 yuan. If the husband and wife combine housing provident fund loans, the maximum loan amount is 600,000 yuan. The maximum term of provident fund loans is 30 years. The basic conditions for Tangshan housing provident fund loans are as follows:
1, with permanent residence or other valid residence status in this city and full capacity for civil conduct;
2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions;
3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time;
4. Pay the housing provident fund in full monthly for 6 months before applying for the loan;
5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management;
6. There are no other large debts that may affect the loan repayment ability;
7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure;
8. Other conditions stipulated by laws and regulations.